Fresh out of college it probably took me several years to reach 700. You have no credit history. I applied for a card in college and coupled with no income, all I qualified for was a secured card. Got denied from the usual suspects of cash back cards for a while. Then once I got cards my limit would only be like $500 per card so you would max it frequently if you used it as a normal person would unless you remembered to pay it off every week. It probably took four or five years for a credit card company to give me a reasonable limit in the thousands, and that came from the bank that I had an account with for 15 years prior.